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KB

NEUTRAL
$107.23 Live
KB Financial Group Inc. · NYSE
Target $131.98 (+23.1%)
$61.02 52W Range $119.71

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$38.03B
P/E
10.37
ROE
N/A
Profit margin
22.5%
Debt/Equity
N/A
Dividend yield
2.83%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
KB Financial Group presents a stark contradiction between valuation and fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock appears undervalued on a P/E (10.37) and PEG (0.71) basis, the deterministic health metrics and a bearish technical trend (10/100) suggest significant underlying instability or a pending correction. The massive gap between the Graham Number ($77.36) and Intrinsic Value ($304.44) indicates a high-growth profile that is currently decoupled from defensive value. Despite 'Strong Buy' analyst recommendations, the deteriorating health score necessitates a cautious approach.

Key Strengths

Low P/E ratio (10.37) and Forward P/E (8.43) relative to sector averages
Attractive PEG ratio (0.71) suggesting growth is not fully priced in
Strong long-term price performance (5Y Change: +159.9%)
Very sustainable dividend payout ratio (23.38%)
Positive analyst sentiment with a target price of $131.98

Key Risks

Critically low Piotroski F-Score (2/9) indicating poor fundamental health
Severely bearish technical trend (10/100) suggesting strong downward momentum
High Price-to-Book ratio (4.16) which is elevated for a regional banking entity
Anomalous YoY Revenue Growth (687.40%) which may be due to accounting shifts rather than organic growth
Weak insider sentiment (40/100) suggesting lack of confidence from management
AI Fair Value Estimate
Based on comprehensive analysis
$112.5
+4.9% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
54
Moderate
Value
55
Future
65
Past
80
Health
20
Dividend
50
AI Verdict
Cautionary Hold
Key drivers: Piotroski F-Score, Technical Trend, PEG Ratio, P/B Ratio
Confidence
85%
Value
55/100

Trades at a premium to defensive value (Graham $77.36) but a discount to growth intrinsic value.

Positives
  • Low P/E
  • Low PEG
Watchpoints
  • Price exceeds Graham Number
  • High P/B ratio
Future
65/100

Growth metrics are high but volatile.

Positives
  • Strong YoY earnings growth
  • Bullish analyst targets
Watchpoints
  • Negative Q/Q revenue growth
  • Unreliable YoY revenue spike
Past
80/100

Historically strong performance, though current momentum has shifted.

Positives
  • Consistent multi-year price appreciation
  • Strong 1Y return (+79.1%)
Watchpoints
  • Recent technical breakdown
Health
20/100

Deterministic health score is in the 'Weak' category.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 2/9
  • Lack of Altman Z-Score data
Dividend
50/100

Dividends are safe but not a primary driver of total return.

Positives
  • Low payout ratio
Watchpoints
  • Moderate yield (2.83%)
  • Low dividend strength score (35/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$107.23
Analyst Target
$131.98
Upside/Downside
+23.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for KB and closest competitors.

Updated 2026-04-28
KB
KB Financial Group Inc.
Primary
5Y
+159.9%
3Y
+218.6%
1Y
+79.1%
6M
+30.4%
1M
+10.0%
1W
-0.1%
HIG
The Hartford Insurance Group, Inc.
Peer
5Y
+123.7%
3Y
+103.9%
1Y
+15.4%
6M
+10.3%
1M
+3.3%
1W
-1.6%
BBD
Banco Bradesco S.A.
Peer
5Y
+15.8%
3Y
+72.0%
1Y
+93.0%
6M
+43.2%
1M
+18.3%
1W
+14.4%
IX
ORIX Corporation
Peer
5Y
+110.3%
3Y
+100.9%
1Y
+61.3%
6M
+30.6%
1M
+11.5%
1W
+6.3%
AIG
American International Group, Inc.
Peer
5Y
+82.5%
3Y
+60.1%
1Y
-11.0%
6M
-4.0%
1M
-6.3%
1W
+0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
10.37
Forward P/E
8.43
PEG Ratio
0.71
P/B Ratio
4.16
P/S Ratio
0.0
EV/Revenue
1.71
EV/EBITDA
N/A
Market Cap
$38.03B

Profitability

Profit margins and return metrics

Profit Margin 22.46%
Operating Margin 8.88%
Gross Margin N/A
ROE N/A
ROA N/A

Growth

Revenue and earnings growth rates

Revenue Growth +687.4%
Earnings Growth +20.4%
Q/Q Revenue Growth -1.62%
Q/Q Earnings Growth +11.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$376688.0

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q3 2025

Revenue
$5036.2B
Net Margin
33.5%
Total Assets
$796063.2B
Liabilities
$734692.1B
Equity
$59582.3B
Debt/Equity
12.33x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-30
$N/A
2026-02-05
$2034.0
+26.2% surprise
2025-10-30
$4453.0
-1.1% surprise
2025-08-14
$4565.0
+4.3% surprise

Financial Services Sector Comparison

Comparing KB against 855 companies in the Financial Services sector (144 bullish, 365 neutral, 346 bearish)
P/E Ratio
10.37
This Stock
vs
35.05
Sector Avg
-70.4% (Discount)
Profit Margin
22.46%
This Stock
vs
93.68%
Sector Avg
-76.0% (Weaker)
Revenue Growth
687.4%
This Stock
vs
36.49%
Sector Avg
+1783.5% (Fast Growth)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
FORM 20-F
2026-04-28

KB submitted its annual Form 20-F filing on April 28, 2026. Due to the lack of provided excerpts, specific financial highlights and risk factors are unavailable for analysis.

20-F
FORM 20-F
2025-04-25

KB submitted its annual Form 20-F filing on April 25, 2025, providing a comprehensive overview of its fiscal year performance and operational risks. Due to limited provided content, specific financial metrics and risk factors are not detailed, but the filing serves as the primary source for the company's audited financial statements and regulatory disclosures.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning KB from our newsroom.

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